Step 1: Mitigate the Loss
Call Hanley’s Restoration for the disaster clean up and prevent the damage from getting worse. Whatever the situation calls for (water extraction, tree removal, roof tarps or board ups), Hanley’s Restoration will respond swiftly to start you on the Road to Recovery.

Step 2: Estimate the damages
After the clean up process has been completed, Hanley’s Restoration will meet with you at the property, access the damages with you and cost estimate the damages using the industry standard estimating program Xactimate. If scheduling permits, we can often meet with your insurance adjuster and expedite the claims process.

Step 3: Present Estimate
Estimate is submitted to homeowner for review. Pending agreement, estimate is then submitted to your assigned insurance adjuster.

Step 4: Estimate reviewed
Insurance adjuster reviews estimate and eventually an agreement is reached between adjuster, Hanley’s Restoration and the homeowner.

Step 5: Payment Issued
Insurance company issues payment minus your deductible. Often an additional percentage is withheld from the initial payment; however this is usually recoverable upon completion of the project.

Step 6: Mortgage Company
If the mortgage company is listed as a payee on the insurance proceed check, contact your mortgage companies’ “Loss Draft Dept.” and request the loss draft package. You will need to follow their specific procedures before depositing the check. This usually includes sending the payment to your mortgage company for endorsement. Often the mortgage company will actually deposit the insurance payment and issue draws to the homeowner as the job is completed in stages.

Step 7: Contract
Sign contract with Hanley’s Restoration for the agreed upon amount and work begins.

Step 8: Job completed
Job is finished and property has been restored to a “pre-loss condition”.

Step 9: Final Inspection
If the mortgage company is involved in the process, sometimes a final inspection is scheduled by the mortgage company before they will release the final payment.

Step 10: Certificate of Completion
A certificate of completion is submitted to the insurance company for the recoverable depreciation (the amount withheld from the initial payment).

Step 11: Final Payment
All proceeds have been released by insurance company and the mortgage company and Hanley’s Restoration is compensated for the contracted services.

Step 12: Back to Normal
Your property is fully restored and you are back to normal!


Call us today to get your project started the Hanley way! 678-493-5777





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